Your Journey to Homeownership Starts Here

Mortgages That Make Buying a Home Easier

Independent Bank is here to guide you every step of the way, from finding the perfect mortgage to unlocking the door to your new home.

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Why Choose Independent Bank for Your Home Loan?

96%

Customer Satisfaction

Over $10 Billion

Home Loans Funded

35,000+

Happy Mortgage Customers

100%

Local Employees

Mortgage FAQs

Answers to common questions about mortgages

What’s the difference between fixed-rate and adjustable-rate mortgages?

A fixed-rate mortgage has the same interest rate and monthly payment for the life of the loan. An adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions, which means your monthly payment could go up or down over time.

What types of mortgages does Independent Bank offer?

We offer fixed-rate, adjustable-rate, jumbo loans, and special programs for first-time homebuyers.

How much down payment is required?

The required down payment varies by loan type. Some programs offer reduced down payments for qualified buyers.

Are there closing costs?

Yes, closing costs apply, but Independent Bank offers competitive rates and clear guidance throughout the process.